Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$5,290
median across reports
vs. National Average
18%
below national avg
Avg Origination Charge
$4,003
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $5,219 | $3,585 | 🔴 Above Avg |
| Origination Fee | $4,003 | $3,743 | 🟡 Average |
| lender_credits | $2,053 | $1,150 | 🔺 High |
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Check My Loan Estimate — $19Based on 457 homebuyer-submitted Closing Disclosures, Home Mortgage Advisors, LLC's median total closing costs are $5,290. This is about 18% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Home Mortgage Advisors, LLC with another lender
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Aggregates from Home Mortgage Advisors, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
354
Median Total Costs
$5,667
−15.2% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,815
Median Lender Credits
$688
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 274 | 6.750% | $4,493 | $1,815 |
| fha | 56 | 5.995% | $14,666 | $3,782 |
| va | 24 | 6.000% | $9,522 | $3,875 |
| This lender | Colorado median | National median | |
|---|---|---|---|
| Total Closing Costs | $5,166 | $6,322 | $6,680 |
| Interest Rate | 6.625% | 6.380% | 6.490% |
| Originations in state | 259 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Home Mortgage Advisors, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $430,000 | $335,000 | +$95,000 (+28.4%) |
| Median total closing costs | $5,667 | $7,127 | −$1,460 (−20.5%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.875% |
| $4,095 |
| — |
| Wyoming | 1 | 6.750% | $3,239 | — |